UFB Direct vs PNC Bank

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to PNC Bank? Read our comparison chart below.

UFB Direct specializes in online savings accounts with competitive APYs. The UFB Savings has no monthly fees and comes with a complimentary ATM card, while the UFB Money Market has balance requirements but offers check-writing privileges.

While PNC Bank has 2,200+ branches in 27 states plus D.C. mostly in the East. Checking accounts offer a unique Virtual Wallet feature with financial tools to help achieve goals. Account fees are easily waived by meeting account balance or direct deposit requirements.

Compare UFB Direct with PNC Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	UFB Direct	PNC Bank
	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER UFB Portfolio Savings - Earn up to 4.01% APY - Learn More Read UFB Direct Review	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More Read PNC Bank Review
	Benefits and Features
Savings	Up to 4.01% APY	Up to 3.95% APY. Only available in eligible markets.
CD	N/A	0.01% to 4.10% APY. Terms of 7 days to 10 years.
Checking	N/A	Virtual Wallet: $7/month fee, unless you have 1) $500/month in qualifying direct deposits, or 2) maintain a $500 balance, or 3) be at least 62 years old. Virtual Wallet with Performance Spend: $15/month fee, unless you have 1) $2,000 in qualifying direct deposits, or 2) a $2,000 balance, or 3) $10,000 in combined PNC consumer deposits. Virtual Wallet with Performance Select: $25/month fee, unless you have 1) $5,000 in qualifying direct deposits, or 2) a $5,000 balance (including up to 7 linked checking accounts), or 3) $25,000 in combined balances or PNC consumer deposits, and/or investments. Select Markets Only*
Money Market	Up to 4.01% APY	Up to 0.05% APY. Only available in eligible markets.
Mobile App	iOS & Android	iOS & Android
ATMs	Free withdrawals at 91,000 ATMs across the nation	approximately 60,000 PNC and partner ATMs
Customer Service	Mon - Fri: 8 am - 5 pm PT	Personal Credit Cards: Automated account information is available 24/7 Other products & services: Monday - Friday: 8:00 a.m. - 9:00 p.m. ET Saturday - Sunday: 8:00 a.m. - 5:00 p.m. ET
Locations	Online only	2,200+ locations
	CreditDonkey® Reviews

Savings
Money Market
Mobile App
Customer Service
CD
Checking
Pros & Cons	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations	Pros: Virtual Wallet tools Relatively easy to waive fees Free student account Cons: Limited branches Low APY on some savings accounts
Bottom Line	Safe digital bank for high APYs on personal savings and MMAs... Read full review	East Coast bank with advanced financial tools to help achieve goals... Read full review
	Visit Site	Learn More
	UFB Portfolio Savings - Earn up to 4.01% APY UFB Freedom Checking & Savings - Unlock Up to 4.21% APY UFB Portfolio Money Market - Earn up to 4.01% APY	Virtual Wallet with Performance Select Checking - $400 Bonus Virtual Wallet with Performance Spend Checking - $200 Bonus Virtual Wallet Checking - $100 Bonus
UFB Direct: Pricing information from published website as of 08/21/2025. PNC Bank: Pricing information from published website as of 08/21/2025 based on 91107 zip code.

Member FDIC

UFB Portfolio Savings - Earn up to 4.01% APY

Learn More

Earn up to 4.01% APY.*
No monthly maintenance fees.
No minimum deposit required to open an account.
Access your funds 24/7 with easy-to-use digital banking tools.
Enjoy peace of mind with FDIC insurance up to the maximum allowance limit – Certificate #35546.

Member FDIC

UFB Freedom Checking & Savings - Unlock Up to 4.21% APY

Combine Freedom Checking with Portfolio Savings to boost your savings APY by up to 0.20%.* Fewer fees, faster transactions. Plus, earn 2.00% APY* on your checking account.

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Member FDIC

UFB Portfolio Money Market - Earn up to 4.01% APY

Learn More

Earn up to 4.01% APY*
Enjoy no monthly maintenance fees with a $5,000.00 balance, otherwise fee is $10.00 per month.
Access your funds 24/7 with easy-to-use digital banking tools.
Have peace of mind with FDIC insurance up to the maximum allowable limit – Certificate #35546.

Which is Better: UFB Direct or PNC Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing UFB Direct or CIT Bank.

In short: UFB Direct's savings is outstanding.

Articles on UFB Direct

UFB Direct Review

UFB Direct offers high interest rates. But is it a safe choice? Find out in this review.

UFB Direct Savings vs Money Market

UFB Direct offers high APYs on savings and money market accounts. Find out which one suits your financial needs best. Get a higher rate today.

Articles on PNC Bank

PNC Bank

PNC Bank has relatively low requirements to waive fees and offers many financial tools to help you meet savings goals. Read on to see if this East Coast bank is right for you.